| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $344K | $0 | $344K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 0.30% |
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 0.30% |
| RISK STRATEGIES COMPANY3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.05% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $47K | $39K | $86K | 10.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 1.58% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 0.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | DELTA DENTAL OF NEW YORK | $42K | $0 | $42K | 6.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $3K | — | $3K | 2.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,108 | $11.5M |
| Dental | DELTA DENTAL OF NEW YORK | 872 | $700K |
| Vision | VISION SERVICE PLAN | 881 | $166K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 962 | $819K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 962 | $819K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 962 | $819K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,108 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,108 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.